Red Oak Credit Union

Tuscaloosa, Alabama
Last verified: August 4, 2026
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Verified rate book

Current Red Oak Credit Union rates

43 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

10 offers
Red Oak Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Auto Loan (2025–2026)auto_new6.750% APR6.750%newStandard
New Auto Loanauto_new6.900% APR6.900%newStandard
Used Auto Loanauto_used9.250% APR9.250%usedStandard
Boat, Motorcycle, & RV Loan Rates (New Motorcycles, ATVs, Watersports)boat_new9.250% APR9.250%newStandard
New Motorcycles, ATVs, Watersportsmotorcycle_new9.250% APR9.250%newStandard
Used Motorcycles, ATVs, Watersportsmotorcycle_used9.750% APR9.750%usedStandard
Boat, Motorcycle, & RV Loan Rates (Used Motorcycles, ATVs, Watersports)boat_used9.750% APR9.750%usedStandard
Boat, Motorcycle, & RV Loan Rates (Used Boats & RVs)boat_used10.250% APR10.250%usedStandard
Boat, Motorcycle, & RV Loan Rates (Tractors, Farm Equipment)boat10.250% APR10.250%—Standard
Used Auto Loan (2016–2024)auto_used10.250% APR10.250%usedStandard

Personal loan rates

1 offer
Red Oak Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Signature Loanpersonal_unsecured13.250% APR13.250%—Standard

Credit card rates

1 offer
Red Oak Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
VISA Credit Card (fixed rate)credit_card7.900% APR7.900%—Standard

Savings & CD rates

30 offers
Red Oak Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Savingssavings0.10% APY0.10%—Standard
Deposit Account Rates (IRA - Traditional, Roth or Coverdell (Education) Accounts)ira0.20% APY0.20%—Standard
Money Market ($10,000)money_market0.80% APY1.00%—Standard
$10,000savings1.00% APY1.00%—Standard
Money Market ($10,000+)money_market1.00% APY1.00%—Standard
Money Market ($25,000)money_market1.00% APY1.50%—Standard
Money Market ($50,000)money_market1.25% APY1.75%—Standard
Money Market ($25,000+)money_market1.50% APY1.50%—Standard
$25,000savings1.50% APY1.50%—Standard
Money Market ($50,000+)money_market1.75% APY1.75%—Standard
$50,000savings1.75% APY1.75%—Standard
Regular & IRA Certificates (60 Months)ira_cd_60mo2.00% APY2.00%60 moStandard
60-Month Certificatecd_60mo2.00% APY2.00%60 moStandard
Regular & IRA Certificates (48 Months)ira_cd_48mo2.25% APY2.25%48 moStandard
48-Month Certificatecd_48mo2.25% APY2.25%48 moStandard
36mo Certificatecd_36mo2.27% APY2.27%36 moStandard
36-Month Certificatecd_36mo2.48% APY2.48%36 moStandard
Regular & IRA Certificates (36 Months)ira_cd_36mo2.48% APY2.48%36 moStandard
48mo Certificatecd_48mo2.52% APY2.52%48 moStandard
60mo Certificatecd_60mo2.78% APY2.78%60 moStandard
Regular & IRA Certificates (24 Months)ira_cd_24mo3.00% APY3.00%24 moStandard
24-Month Certificatecd_24mo3.00% APY3.00%24 moStandard
Money Market ($100,000 plus)money_market3.00% APY3.25%—Standard
$100,000 Plussavings3.25% APY3.25%—Standard
18-Month Certificatecd_18mo3.25% APY3.25%18 moStandard
Regular & IRA Certificates (18 Months)ira_cd_18mo3.25% APY3.25%18 moStandard
Regular & IRA Certificates (12 Months)ira_cd_12mo3.38% APY3.38%12 moStandard
12-Month Certificatecd_12mo3.38% APY3.38%12 moStandard
6-Month Certificatecd_6mo3.80% APY3.80%6 moStandard
Regular & IRA Certificates (6 Months)ira_cd_6mo3.80% APY3.80%6 moStandard

Equipment loan rates

1 offer
Red Oak Credit Union equipment loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Tractors, Farm Equipmentequipment9.000% APR9.000%—Standard

Vehicle loans available from 6.75% APR. Personal loan rates from 13.25% APR. Credit card rates from 7.9% APR. Savings and certificate yields up to 3.80% APY. Equipment loans from 9% APR.

Source: RateAPI.dev, verified from Red Oak Credit Union's official website

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About Red Oak Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
5.7K
Assets
$40.5M
Founded
1955
Locations reported
3
NCUA charter
63940
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Alabama CentralTuscaloosa · Tuscaloosa · AL · 35404Branch in the same ZIPAlabama OneMain Office · Tuscaloosa · AL · 35404-5842Branch in the same ZIPAlabamaFive Points Branch · Tuscaloosa · AL · 35404Branch in the same ZIPNucor Employee'sNucor Employee's Credit Union Tuscaloosa · Tuscaloosa · AL · 35404-1046Branch in the same ZIPTuscaloosa V ATuscaloosa VA Federal Credit Union · Tuscaloosa · AL · 35404Branch in the same ZIPRiverfallNorthport Office · Northport · AL · 35476-3260About 5.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Red Oak Credit Union

Membership eligibility from Red Oak Credit Union's own published criteria. How we verify this.

Membership criteria are published on Red Oak Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Red Oak Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Red Oak Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Red Oak Credit Union ranks against Alabama peers.

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Frequently Asked Questions

What rates does Red Oak Credit Union offer?

Red Oak Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Red Oak Credit Union rates updated?

RateAPI verifies Red Oak Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Red Oak Credit Union's rate data?

Rate data is collected directly from Red Oak Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Red Oak Credit Union's auto, boat & motorcycle loan rates?

As of August 4, 2026, Red Oak Credit Union offers vehicle loans from 6.75% APR.

What is Red Oak Credit Union's personal loan rate?

As of August 4, 2026, Red Oak Credit Union offers personal loans from 13.25% APR.

What is Red Oak Credit Union's best CD rate?

As of August 4, 2026, Red Oak Credit Union offers savings and certificate (CD) yields up to 3.80% APY.

Related Rate Data

Compare Red Oak Credit Union's rates against national credit-union benchmarks.

More Alabama credit unionsAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Red Oak Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/red-oak" \
  -H "Authorization: Bearer YOUR_API_KEY"
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